论“家事代理权”在征信查询领域的适用

On the Application of “the Right to Housekeeping Agency”in the Field of Credit Information Inquiry

介绍家事代理权的法律渊源及法律内涵,分析家事代理权在征信查询领域适用的现实困境,建议征信机构充分借鉴地方性案例,根据实务操作中的实际情况对查询程序进行进一步优化完善,借助家事代理权的制度优势,遏制夫妻一方恶意举债侵害配偶权益行为的发生、化解配偶知情权与信用主体隐私保护的潜在冲突,维护夫妻双方财产权益及第三方交易安全。

The paper introduces the legal origin and legal connotation of ＂the right to housekeeping agency＂, analyzes its realistic dilemma in credit information inquiry, and proposes a series of suggestions. Credit reporting agencies should take local legal regulations for full reference, further optimize inquiry procedures in accordance with practical operation, base on the system advantages, curb malicious behaviors of borrowing from one of the spouses which result in infringement to the rights of other spouse, resolve potential conflicts between the spouses＇ right to know and the privacy protection of credit subject, maintain both the common property rights of the wife and the husband, and safeguard the transaction security of the third party.